June 12

Break the Rules, Build the Wealth: Real Talk on Women, Worth and What You Should Be Charging with Roxanne Calder

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We’ve all been there—hesitating just seconds before hitting send on a quote, wondering if we’re asking for too much. That pesky imposter syndrome loves to rear its head right when we need confidence most. In this episode, I sit down with the incredible Roxanne Calder, CEO, recruiter and author of the brand new book Earning Power: Breaking Barriers and Building Wealth for Women. Roxanne is a powerhouse in wealth management with a passion for personal empowerment, and her insights on recognising our true worth are both uplifting and incredibly practical.

We talk about breaking the conventional rules that often undervalue skills and professions where women predominate. Roxanne shares her impressive journey in a male-dominated industry, revealing how she crafted her own set of rules that place a premium on her worth and abilities. We explore how questioning these norms isn’t about going rogue for the sake of it, but about challenging systems that systematically minimise women’s contributions. When it comes to building wealth, Roxanne masterfully reframes the conversation—it’s not just about piling up resources, but creating a future that aligns with your dreams and aspirations through financial education and savvy choices.

The biggest gem from our chat is Roxanne’s approach to charging what you deserve. Her strategies are gold for anyone dealing with self-doubt hurdles that keep us from asking for our worth. She emphasises that your rates aren’t just numbers—they’re statements of the skills and experience you bring to the table. Whether you’re negotiating salaries, setting business rates or rethinking your perceptions of worth, Roxanne reminds us that wealth starts from the inside. It’s about having the courage to step confidently into your value and demand the recognition you’re worthy of.

Key Topics Covered:

• Overcoming imposter syndrome when pricing your services

• Breaking rules that systematically undervalue women

• Reframing wealth as creating your dream future

• Practical strategies for charging what you’re worth

• Building confidence through financial education

LINKS:

Connect with Roxanne: 

Book: Earning Power: Breaking Barriers and Building Wealth for Women 

Website: https://roxannecalder.com.au/ 

LinkedIn: https://www.linkedin.com/in/roxannecalder/ 

Instagram: @roxanne.calder

Elevate with Janine

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Transcript
Janine:

Hello and welcome

Janine:

to another week and another

Janine:

episode of this podcast,

Janine:

unleashing Brilliance.

Janine:

So today we're gonna talk

Janine:

about one of the biggest

Janine:

mindset monsters for women in

Janine:

business, and that is money.

Janine:

And more specifically.

Janine:

Charging what we're worth.

Janine:

Now, if you've been listening

Janine:

to this podcast for a

Janine:

while, you will have seen

Janine:

or listened to a couple of

Janine:

episodes where I'm talking

Janine:

about pricing and worth,

Janine:

how to double our profit.

Janine:

Well, today I

Janine:

have the pleasure.

Janine:

Of the incredible Roxanne

Janine:

Calder joining me as a

Janine:

guest on this conversation.

Janine:

She is a CEO, A recruiter

Janine:

and an author of the brand

Janine:

new book, earning Power,

Janine:

breaking Barriers, and

Janine:

Building Wealth for Women.

Janine:

And let me tell you, this

Janine:

isn't just another lean

Janine:

in pep talk because we

Janine:

get real about the gender

Janine:

pay gap and actually.

Janine:

Where we are contributing to

Janine:

that, we get real about the

Janine:

pricing traps and imposter

Janine:

syndrome and how to shift

Janine:

from hustle and hope to

Janine:

wealth building strategies.

Janine:

We're gonna break down her

Janine:

million dollar formula,

Janine:

diving into self-worth

Janine:

versus market value.

Janine:

And yes, we're gonna talk

Janine:

about the exact moment.

Janine:

Many of us still discount

Janine:

our expertise out of fear.

Janine:

Conditioning or out

Janine:

of just plain habit.

Janine:

So if you've ever second

Janine:

guessed your pricing, if

Janine:

you've ever second guessed

Janine:

the negotiation for a salary

Janine:

increase, if you've rewritten

Janine:

a proposal 15 times or agreed

Janine:

to work with that low client,

Janine:

you knew would be a headache.

Janine:

This one's for you.

Janine:

So let's get stuck in.

Janine:

Roxanne, welcome to the

Janine:

Unleashing Brilliance Podcast.

Janine:

So fabulous to have you

Janine:

joining me in a conversation

Janine:

all about earning power,

Janine:

charging our worth, all

Janine:

of the imposter syndrome

Janine:

that kicks in on that.

Janine:

It's wonderful to have you.

Janine:

Thanks for coming along today.

Roxanne:

Thank

Roxanne:

you for having me.

Janine:

Now we were talking

Janine:

off air about, why I'm so glad

Janine:

that somebody has written this

Janine:

book around earning potential.

Janine:

I shared the, in the work that

Janine:

I do with, with my clients,

Janine:

I would, I reckon probably

Janine:

every single week there's

Janine:

conversations about how

Janine:

much money should I charge?

Janine:

people are trying

Janine:

to discount me.

Janine:

Should I go for it?

Janine:

I can't possibly

Janine:

charge that much.

Janine:

this is why this book is so

Janine:

important because we've got

Janine:

to, we've just got to get

Janine:

past all of those barriers

Janine:

when it comes to our worth,

Janine:

our earning potential,

Janine:

and charging our worth.

Janine:

But before we dive into it,

Janine:

I'd love to hear straight up,

Janine:

why did you write this book?

Janine:

What was it that drove

Janine:

you to write this book?

Roxanne:

I love

Roxanne:

writing for a start.

Roxanne:

So it's, my, it's my second

Roxanne:

book, but in particular,

Roxanne:

this topic well is based

Roxanne:

on the gender pay gap.

Roxanne:

So, my work is recruitment.

Roxanne:

I have a recruitment

Roxanne:

business, it's called S 10.

Roxanne:

I've worked my whole

Roxanne:

life in recruitment and.

Roxanne:

The majority of people

Roxanne:

that I've worked

Roxanne:

with have been women.

Roxanne:

I've placed thousands

Roxanne:

of women in jobs.

Roxanne:

and throughout that

Roxanne:

time, specifically,

Roxanne:

probably the last maybe

Roxanne:

10 years, I had noted.

Roxanne:

The decisions that

Roxanne:

females were making that

Roxanne:

was costing them a whole

Roxanne:

lot of money throughout

Roxanne:

their, their lifetime.

Roxanne:

So for example, you know,

Roxanne:

uh, we would have a job offer

Roxanne:

that would come through and

Roxanne:

that, you know, whoever it was

Roxanne:

would come back and say, Rox,

Roxanne:

it's just not the right time.

Roxanne:

Or, I don't think I've

Roxanne:

got the right skills.

Roxanne:

or spoke to my husband and we

Roxanne:

think that I should be doing

Roxanne:

this instead, or whatever it.

Roxanne:

might be.

Roxanne:

these are Decisions that

Roxanne:

females were making or

Roxanne:

women were making, you

Roxanne:

know, once a month or every

Roxanne:

quarter or once a year.

Roxanne:

This is a daily event.

Roxanne:

And so,

Roxanne:

I started to my mind,

Janine:

Add it up

Roxanne:

And like, I'm quite

Roxanne:

a, I'm quite good at math.

Roxanne:

I was like, a sec.

Roxanne:

that's $5,000.

Roxanne:

It's not costing you $5,000.

Roxanne:

It's actually costing

Roxanne:

you this amount.

Roxanne:

And by the time you come to

Roxanne:

retirement, that's, I'm pretty

Roxanne:

sure that's a million dollars.

Roxanne:

So I've worked this all out.

Roxanne:

And so when the gender pay gap

Roxanne:

started to come through loud

Roxanne:

and clear last year, even that

Roxanne:

had been talked about forever.

Roxanne:

I remember thinking, but I've

Roxanne:

known about this forever.

Roxanne:

Why?

Roxanne:

Why are we making such

Roxanne:

a big deal about it now?

Roxanne:

Like, why is everyone

Roxanne:

blowing the trumpet when

Roxanne:

it's been around forever?

Roxanne:

And that's why I

Roxanne:

wrote the book.

Roxanne:

So the, the gender pay

Roxanne:

gap in its strictest form

Roxanne:

talks about structural and

Roxanne:

systemic barriers that stop

Roxanne:

women from earning more.

Roxanne:

I take that and carry it

Roxanne:

through the book to say we

Roxanne:

carry those with us and that's

Roxanne:

what impacts our decisions.

Roxanne:

And my belief is

Roxanne:

Probably similar to your

Roxanne:

audience, you know, if

Roxanne:

the, the business owners

Roxanne:

or managers in that sort of

Roxanne:

field that you own, sort of

Roxanne:

control of your own destiny.

Roxanne:

I, don't like people to tell

Roxanne:

me what I can, can't earn or

Roxanne:

what I should or shouldn't do.

Roxanne:

You know, I was one

Roxanne:

of those little bit.

Roxanne:

Rebellious females and.

Roxanne:

for this structural

Roxanne:

change to come through,

Roxanne:

it's gonna be centuries.

Roxanne:

so we won't be around

Roxanne:

to benefit from it and

Roxanne:

neither will our children.

Roxanne:

So the book is very much about

Roxanne:

efficacy in terms of bringing

Roxanne:

change about for yourself.

Janine:

And hence why I'm so

Janine:

glad you've written the book.

Janine:

It's, it's exactly um, I

Janine:

wrote a piece on LinkedIn

Janine:

around International,

Janine:

international Women's Day,

Janine:

around, talking about actually

Janine:

how I hate International

Janine:

Women's Day, how I'm over

Janine:

it.

Janine:

And it is because of that,

Janine:

we're having the same

Janine:

conversations over and over

Janine:

and over again, and nothing

Janine:

fundamentally is changing.

Roxanne:

but the thing is,

Roxanne:

Janine, I think sometimes when

Roxanne:

we challenge that rhetoric.

Roxanne:

sometimes we get shot down

Roxanne:

for that because people

Roxanne:

wanna just get on the same

Roxanne:

train with that and, but if

Roxanne:

nothing changes from it, then

Roxanne:

you, I'm with you on that.

Roxanne:

We should be challenging

Roxanne:

and saying, well, what's

Roxanne:

happening about it?

Janine:

Yeah, it's,

Janine:

it's really interesting.

Janine:

I mean, I, uh, before we

Janine:

dive into your book I've

Janine:

got early twenties age

Janine:

children and I was having

Janine:

a conversation with my son

Janine:

about, the career choices

Janine:

that he's making and where

Janine:

he's starting his career.

Janine:

And, his girlfriend,

Janine:

long-term girlfriend is.

Janine:

Going into the same industry.

Janine:

he was questioning this

Janine:

concept of inequality

Janine:

as a 21-year-old.

Janine:

And I said to him, you

Janine:

know, out of interest,

Janine:

maybe ask your girlfriend

Janine:

what, what she thinks her

Janine:

opening salary should be.

Janine:

What, what, what

Janine:

sort of pay level?

Janine:

And even in that, in

Janine:

instance, the discrepancy.

Janine:

Showed itself.

Janine:

this is my point son.

Janine:

Uh, it's really important

Janine:

that you, that you actually

Janine:

become aware of this and

Janine:

it's equally important.

Janine:

So I have, uh, my daughters

Janine:

friends or friends of friends

Janine:

come and help me and they'll

Janine:

go, I'll do it for free.

Janine:

I go, no, you won't.

Janine:

You have to charge.

Janine:

But it's that, it's that

Janine:

constant challenging

Janine:

and thinking about it.

Janine:

So, let's just talk about

Janine:

some of these, money blocks

Janine:

that you referenced your.

Janine:

You talk in your book

Janine:

about your million dollar

Janine:

framework, which I think

Janine:

is absolute genius, uh,

Janine:

because what it does is it

Janine:

gives women this tangible

Janine:

visual roadmap to wealth.

Janine:

But you also talk about

Janine:

these mindset traps

Janine:

that get in the way.

Janine:

I'm curious, what's, what's

Janine:

one silent money block that

Janine:

you see constantly showing

Janine:

up for women and how do we

Janine:

start to, dismantle that?

Roxanne:

If I said to you,

Roxanne:

Janine, or any of your

Roxanne:

friends, or, you know, if

Roxanne:

you had daughters, you are

Roxanne:

impacted by the discrepancy,

Roxanne:

this million dollar

Roxanne:

gender pay discrepancy.

Roxanne:

It's likely, even if you

Roxanne:

nodded, it's likely deep

Roxanne:

down that you are thinking

Roxanne:

not so much 'cause I've been

Roxanne:

in charge of my own future.

Roxanne:

I've, I'm educated, I'm

Roxanne:

whatever it might be.

Roxanne:

And very lies part

Roxanne:

of the problem.

Roxanne:

Most females

Roxanne:

think that they're

Roxanne:

not affected by this,

Roxanne:

but I can pretty

Roxanne:

much guarantee.

Roxanne:

Nearly every single female

Roxanne:

has been impacted by it.

Roxanne:

And it's because we carry

Roxanne:

the, the level of bias

Roxanne:

or social conditioning,

Roxanne:

all the way through.

Roxanne:

So from when we are a

Roxanne:

child of, that's what you

Roxanne:

should do or shouldn't

Roxanne:

do, that's what you should

Roxanne:

wear or shouldn't wear.

Roxanne:

All the way through to

Roxanne:

the workforce and that

Roxanne:

builds and, and compacts.

Roxanne:

So when we have, you

Roxanne:

know, we carry that piece

Roxanne:

of baggage, and we carry

Roxanne:

that piece of baggage, and

Roxanne:

then when we get to the

Roxanne:

workforce, it's any wonder

Roxanne:

that we are making decisions

Roxanne:

that are holding us back.

Roxanne:

It's because of all

Roxanne:

The layers that we've

Roxanne:

been carrying in time.

Roxanne:

The example that you gave with

Roxanne:

your son and his girlfriend.

Roxanne:

All of the stats and

Roxanne:

figures back that up.

Roxanne:

Graduates, females and

Roxanne:

males, female graduates

Roxanne:

start on a lower salary than

Roxanne:

males, no matter the degree.

Roxanne:

If they're in the same

Roxanne:

degree, it's the same

Roxanne:

thing, the same degree.

Roxanne:

Females will start on a lower

Roxanne:

starting salary than males.

Roxanne:

when you talked about

Roxanne:

the blocks, you know,

Roxanne:

for example, we need to

Roxanne:

just back ourselves more.

Roxanne:

that's an easy statement

Roxanne:

to make, Isn't it?

Roxanne:

Like, oh, just

Roxanne:

back yourself more.

Roxanne:

And so it goes back to

Roxanne:

having the confidence to

Roxanne:

be brave and your decisions

Roxanne:

question the mindset.

Roxanne:

So when you are saying no to

Roxanne:

an opportunity, what's the

Roxanne:

real reason you're saying no?

Roxanne:

Is it because you are

Roxanne:

too scared to say yes?

Roxanne:

So for, you know, your

Roxanne:

clients that are saying

Roxanne:

to you, oh, I don't think

Roxanne:

I should charge that.

Roxanne:

Should I charge that.

Roxanne:

I've been asked to give

Roxanne:

an $8,000 discount.

Roxanne:

I don't feel comfortable.

Roxanne:

What do I do about that?

Roxanne:

The reason you're questioning

Roxanne:

it, isn't it because on

Roxanne:

worth, it's because you're

Roxanne:

too scared to push back.

Roxanne:

And if that's the reason,

Roxanne:

then get comfortable with

Roxanne:

recognizing that and then

Roxanne:

start to push back on that

Roxanne:

and work out how, on practice

Roxanne:

how to have that conversation

Roxanne:

that says to your client, I'm.

Roxanne:

really sorry.

Roxanne:

Thank you for

Roxanne:

bringing that up.

Roxanne:

And I'm really

Roxanne:

grateful that you.

Roxanne:

Sink or would like to ask

Roxanne:

me to take that discount,

Roxanne:

but I actually can't.

Roxanne:

And here's the reasons why.

Janine:

Mm

Janine:

Do you actually actively see

Janine:

that in your organization

Janine:

with the female candidates

Janine:

versus the male candidates?

Janine:

What, how does

Janine:

it present itself

Roxanne:

in so

Roxanne:

many different ways

Janine:

could

Roxanne:

could be that they're

Roxanne:

presented with an opportunity,

Roxanne:

a promotion, advancement.

Roxanne:

It's unexpected and instead

Roxanne:

of being like, that's amazing,

Roxanne:

wow, someone believes in me.

Roxanne:

It's the, oh, I don't

Roxanne:

think I'm ready to do that.

Roxanne:

I, I actually need

Roxanne:

another couple of years.

Roxanne:

I don't have all

Roxanne:

of those skills.

Roxanne:

And yet, if it was a male

Roxanne:

in the same situation,

Roxanne:

Guaranteed they will grab that

Roxanne:

opportunity and run with it.

Roxanne:

And so they should, and

Roxanne:

good on them for doing that.

Roxanne:

We need to do more of that

Roxanne:

Or it might be they get an

Roxanne:

opportunity and we know,

Roxanne:

I see this every day.

Roxanne:

I get an opportunity they come

Roxanne:

back and it might be I need to

Roxanne:

talk to my husband about it.

Roxanne:

Okay, fair enough.

Roxanne:

'cause it's a family.

Roxanne:

then the answer comes

Roxanne:

back my husband thinks

Roxanne:

that I shouldn't.

Roxanne:

So what I always think is.

Roxanne:

okay,

Roxanne:

if that was a joint decision.

Roxanne:

Own it.

Roxanne:

I think that I shouldn't

Roxanne:

do it Instead of it

Roxanne:

being my husband.

Roxanne:

And I know this might sound

Roxanne:

controversial to, to say

Roxanne:

this, but it is actually true.

Roxanne:

This is what happens

Roxanne:

and it's reality and it

Roxanne:

happens with 30 year olds.

Roxanne:

I'm not talking about

Roxanne:

people who are, you

Roxanne:

know, in their sixties or

Roxanne:

might have grown up in a

Roxanne:

different era where it was a

Roxanne:

different lifestyle choice.

Roxanne:

This is happening for

Roxanne:

for women in their

Janine:

in women.

Janine:

Oh.

Janine:

And even, you know, just to

Janine:

put it into the context of

Janine:

my own business, where I'm

Janine:

essentially helping female

Janine:

business owners scale and

Janine:

grow their businesses, and

Janine:

I get the, the calls through

Janine:

and we, it's very clear as to

Janine:

whether this program that I

Janine:

runs, a fit or not upfront.

Janine:

And you then get to how

Janine:

much, and it becomes.

Janine:

Let me just go talk to

Janine:

my husband about it, some

Janine:

come back and they say no.

Janine:

Even though it is pretty

Janine:

clear that their business

Janine:

will not grow, will not

Janine:

change, will not scale if

Janine:

they don't do anything.

Janine:

So my point there is in

Janine:

terms of your own personal

Janine:

development and your own

Janine:

growth and your own success,

Janine:

take ownership of it.

Janine:

Why do you think we put black?

Janine:

It's because to me,

Janine:

it's almost like

Janine:

allocating the excuse.

Janine:

It's not taking the ownership

Janine:

onto either your husband, your

Janine:

partner, or whatever it is.

Janine:

Why do we do that?

Roxanne:

Again, I think it's

Roxanne:

conditioning, it, it's an

Roxanne:

escape as well, because then

Roxanne:

we don't take responsibility.

Roxanne:

We'll put it this way, if you

Roxanne:

have the conversation whether

Roxanne:

husband, partner, friend,

Roxanne:

it doesn't matter, and that

Roxanne:

person convinces you in some

Roxanne:

way or influences you in

Roxanne:

some way to make a call that

Roxanne:

doesn't entirely sit with you.

Roxanne:

'cause really you would've

Roxanne:

loved that opportunity.

Roxanne:

so when you come back and

Roxanne:

you deliver the message

Roxanne:

that you're not doing it.

Roxanne:

It's easier to say, oh,

Roxanne:

I spoke to my parents.

Roxanne:

I've even had that, I've

Roxanne:

spoken to my parents about

Roxanne:

it and they think that I

Roxanne:

should stay in Australia.

Roxanne:

Or my husband thinks it's not

Roxanne:

the right time now because

Roxanne:

we've got our kids at school

Roxanne:

and I'm the one that's

Roxanne:

responsible for making sure

Roxanne:

I'm home in the afternoons.

Roxanne:

What, whatever it might be.

Roxanne:

And that's fair enough.

Roxanne:

Like, you know, that's,

Roxanne:

that's, okay if that's

Roxanne:

a decision, if it's

Roxanne:

your decision as well.

Roxanne:

and that's very different.

Roxanne:

So that's different to Rox.

Roxanne:

I thought about it, I've

Roxanne:

discussed it with, with,

Roxanne:

the family and what we've

Roxanne:

got going on at the moment.

Roxanne:

I need to be home and I

Roxanne:

want to be home take care

Roxanne:

of that responsibility.

Roxanne:

At the.

Roxanne:

moment,

Roxanne:

I'd really love to

Roxanne:

explore this maybe next

Roxanne:

year or the year after.

Roxanne:

Now, the other problem

Roxanne:

with that is the assumption

Roxanne:

that that opportunity is

Roxanne:

gonna be there the next

Roxanne:

year or the year after.

Roxanne:

'cause it's not.

Janine:

That's

Roxanne:

The message that

Roxanne:

you then send to the person

Roxanne:

that was offering You that

Roxanne:

opportunity, isn't that you're

Roxanne:

grateful or isn't that, oh,

Roxanne:

I might take it up next year.

Roxanne:

What you're really saying

Roxanne:

is I'm not backing myself.

Roxanne:

You probably need to go

Roxanne:

and choose somebody else.

Roxanne:

That's the subliminal message,

Roxanne:

and I think people need to be

Roxanne:

aware of how we're communicate

Roxanne:

with all of those things.

Roxanne:

The message isn't, I

Roxanne:

can't take it right now.

Roxanne:

The message is deeper

Roxanne:

than that, and that's

Roxanne:

the message that goes

Roxanne:

back to other people.

Roxanne:

In the same way when we, are

Roxanne:

conditioned or reject certain

Roxanne:

things, the message is, I

Roxanne:

don't believe I'm worth that.

Janine:

mm And I think

Janine:

you, I can't remember

Janine:

which part of your book I

Janine:

read it in, but you talk

Janine:

about in my world, pricing

Janine:

yourself is just a number.

Janine:

And, and that number

Janine:

is that reflection of

Janine:

how we see ourselves.

Janine:

Can you just go a little

Janine:

bit deeper on that?

Roxanne:

Yeah, so the

Roxanne:

gender pay gap, isn't

Roxanne:

just about money.

Roxanne:

It's about what money

Roxanne:

symbolizes And money

Roxanne:

symbolizes our self-worth

Roxanne:

and everything that,

Roxanne:

that is attached to that.

Roxanne:

So it's not about the

Roxanne:

$5,000, the $2,000, the

Roxanne:

2.4% growth, the 5% growth.

Roxanne:

It's actually the,

Roxanne:

Attachment to that what

Roxanne:

it, what it symbolizes.

Roxanne:

the other thing that goes

Roxanne:

with that is that women

Roxanne:

are just not as comfortable

Roxanne:

discussing and talking

Roxanne:

about money openly.

Roxanne:

And if you can talk about

Roxanne:

money openly, then it just

Roxanne:

becomes a much more natural

Roxanne:

way of discussing things.

Roxanne:

a really good example the

Roxanne:

other day we were looking at a

Roxanne:

car and I was the one that was

Roxanne:

doing the negotiation with it.

Roxanne:

And the person I was dealing

Roxanne:

with, I just was really

Roxanne:

straight and I said, it

Roxanne:

needs to be at this price.

Roxanne:

It needs to, finance has

Roxanne:

to be at this level, or

Roxanne:

we, we won't be doing it.

Roxanne:

I said, it's not

Roxanne:

personal, it's just

Roxanne:

that that's the deal.

Roxanne:

and he was the

Roxanne:

finance guy side.

Roxanne:

He said, oh, thanks.

Roxanne:

I really appreciate you

Roxanne:

being straight with that.

Roxanne:

This is what I can do.

Roxanne:

I think we have to get

Roxanne:

very comfortable talking

Roxanne:

about money and not, not

Roxanne:

being squirmy about it.

Janine:

Yeah, in my world

Janine:

we do a lot of the, the

Janine:

same and you know, I'm very

Janine:

commercial off, straight up.

Janine:

I'm going, you know,

Janine:

talk to me about where

Janine:

your business is at.

Janine:

I wanna look at the numbers.

Janine:

Where are you

Janine:

wanting to go to?

Janine:

And every quarter we're

Janine:

talking numbers, numbers,

Janine:

numbers, numbers.

Janine:

And I know initially

Janine:

some people find it

Janine:

really uncomfortable.

Janine:

I love that.

Janine:

I love that comment.

Janine:

I dunno if you hear this of,

Janine:

it's not about the money.

Janine:

It's it's not about the money.

Janine:

I'm going No, it's always

Janine:

about the money because the

Janine:

money facilitates whatever

Janine:

lifestyle you want, et

Janine:

cetera, et cetera, et cetera.

Janine:

And it sort of

Janine:

isn't and yet it is.

Janine:

Whether it be lifestyle,

Janine:

wealth, giving back, whatever.

Janine:

where did your, I'm really

Janine:

curious where, where did

Janine:

your confidence, money

Janine:

savviness, wealth savviness,

Janine:

ability to talk, like you

Janine:

said, clear with conviction.

Janine:

Where do you think

Janine:

that came from?

Roxanne:

Hard work maybe,

Roxanne:

I, started in recruitment

Roxanne:

in the days when you could

Roxanne:

make quite, you know, decent

Roxanne:

money in recruitment and I

Roxanne:

was young, I was a graduate.

Roxanne:

I did a bachelor's of arts

Roxanne:

degree and all of my friends

Roxanne:

did economics, finance,

Roxanne:

business medicine law.

Roxanne:

So amongst my friends,

Roxanne:

I always felt like, I

Roxanne:

was like, not the loser,

Roxanne:

but you know, like they

Roxanne:

were all doing medicine

Roxanne:

and law And everything.

Roxanne:

and it was during the

Roxanne:

recession, so it was

Roxanne:

hard to get a job.

Roxanne:

And they all landed jobs.

Roxanne:

And then I finally got a job

Roxanne:

and I fell into recruitment

Roxanne:

and I was good at it.

Roxanne:

And I got paid really well

Roxanne:

because it was bonus linked.

Janine:

Yeah,

Roxanne:

And I remember

Roxanne:

feeling that I didn't

Roxanne:

deserve those bonuses and

Roxanne:

that that money, and I

Roxanne:

remember always feeling.

Roxanne:

Embarrassed about it and

Roxanne:

also like a fraud, like,

Roxanne:

oh, what if people actually

Roxanne:

find out that I'm not that

Roxanne:

smart, I'm not that good.

Roxanne:

And you know, this

Roxanne:

is just really lucky.

Roxanne:

And that was one of the

Roxanne:

reasons why I did further

Roxanne:

study was because I

Roxanne:

never wanted to be in a

Roxanne:

position where I couldn't

Roxanne:

justify it all, And.

Roxanne:

suddenly enough, then I just

Roxanne:

worked harder and harder and

Roxanne:

harder, And then it just got

Roxanne:

to a point where people would

Roxanne:

want a discount or something.

Roxanne:

And I just thought, no.

Roxanne:

I'm gonna work till 10

Roxanne:

o'clock at night for you.

Roxanne:

I'm gonna wake up

Roxanne:

at three o'clock in

Roxanne:

the morning for you.

Roxanne:

I will deliver because

Roxanne:

I will kill myself

Roxanne:

to deliver for you.

Roxanne:

And if you don't wanna

Roxanne:

pay for that, that's okay.

Roxanne:

But

Roxanne:

I need to feel good about

Roxanne:

working with you, and I'm not

Roxanne:

gonna feel good about it if

Roxanne:

you just ask me for a discount

Roxanne:

where it, it's belittling and

Roxanne:

I, it's not my worth anymore.

Roxanne:

So I don't know where it came

Roxanne:

from, but probably a bit of

Roxanne:

time, a bit of hard knocks.

Roxanne:

definitely hard

Roxanne:

work Right now.

Roxanne:

I feel I absolutely deserve.

Roxanne:

In fact, I often

Roxanne:

feel I deserve more,

Roxanne:

therefore I charge.

Roxanne:

So I sometimes think

Roxanne:

I need to charge more.

Janine:

I have, I have

Janine:

this little game going

Janine:

with a colleague of mine

Janine:

where the game is to

Janine:

see how much we can get.

Roxanne:

Oh, really?

Janine:

cause you know,

Janine:

when I started out post

Janine:

corporate, I, I charge X

Janine:

amount and I, I personally,

Janine:

my, my business strategy

Janine:

is days down, dollars up.

Janine:

So I wanna earn, I. As

Janine:

much money as I can for as

Janine:

few days work as possible.

Janine:

So I strategically structured

Janine:

my business around that.

Janine:

So for me, you know, every

Janine:

time I can up my prices,

Janine:

it's like brilliant bonus,

Janine:

I can get some time off.

Janine:

But equally it's, you know,

Janine:

there, there's so many real

Janine:

world examples for me, whether

Janine:

it be same clients, same buyer

Janine:

who might be paying me x. And

Janine:

they're paying somebody else.

Janine:

YI go, there's, there's no,

Janine:

there's no science in pricing.

Janine:

Uh, for example,

Janine:

or, or salary.

Janine:

I go, you know, who

Janine:

sets this stuff?

Janine:

My argument to my clients,

Janine:

I, who, who's told you

Janine:

that you can only charge X?

Janine:

Because I haven't seen a,

Janine:

a book anywhere where I've

Janine:

signed up to say, uh, I can

Janine:

only charge $500 an hour.

Janine:

It's like, rubbish.

Janine:

Who said, how can Tony

Janine:

Robbins charge a million?

Janine:

Like.

Roxanne:

The thing that I

Roxanne:

would say with that is it's.

Roxanne:

Not about just charge,

Roxanne:

in my opinion, not just

Roxanne:

about charging more and not

Roxanne:

just about asking for more

Roxanne:

money because I Wally then

Roxanne:

that people will really

Roxanne:

fall badly if what you are

Roxanne:

asking for is not warranted.

Roxanne:

So like, as you know, when

Roxanne:

I said to you before, I'm

Roxanne:

gonna work really hard for

Roxanne:

my clients, so I feel really

Roxanne:

comfortable in sticking to

Roxanne:

my rates and not discounting.

Roxanne:

And If people are going to

Roxanne:

ask for a pay increase, for

Roxanne:

example, or charge a certain

Roxanne:

price, I think it's gotta be.

Roxanne:

You gotta back it up.

Roxanne:

because otherwise

Roxanne:

people are gonna be in a

Roxanne:

situation where the boss

Roxanne:

is gonna say, well no,

Janine:

and.

Roxanne:

and we're

Roxanne:

in difficult climate

Roxanne:

at the moment

Janine:

Yeah.

Janine:

You, you've got to have

Janine:

the social proof to back

Janine:

it up the worth to back

Janine:

it up the case studies.

Janine:

Absolutely.

Janine:

And um, that same son I was

Janine:

telling you about, we were

Janine:

having a round the table

Janine:

conversation where I'd.

Janine:

Suggested he taught to,

Janine:

he's doing an internship

Janine:

at the moment and it's an

Janine:

internship that's unpaid.

Janine:

Well, isn't he lucky

Janine:

he can stay at home?

Janine:

But I said to him you know,

Janine:

go and talk to the boss

Janine:

and, and have a conversation

Janine:

about his, her career.

Janine:

And the per the

Janine:

leader actually said.

Janine:

Say yes, say yes as

Janine:

much as possible.

Janine:

do the work.

Janine:

you won't necessarily earn

Janine:

x like your mates 'cause

Janine:

he's, he's got into a

Janine:

certain industry that isn't

Janine:

the big paid industry.

Janine:

But over time it will, it

Janine:

will pick up like this.

Janine:

And that's what you

Janine:

are talking about,

Janine:

that balance between.

Janine:

getting paid what you're

Janine:

worth, but equally

Janine:

having the backup and the

Janine:

evidence, uh, which is key.

Janine:

This book, I'm

Janine:

holding it here.

Janine:

For anyone that's

Janine:

watching this on YouTube

Janine:

what's your wish?

Janine:

You know, you've got in

Janine:

here so many mindset tools.

Janine:

You talk about confidence.

Janine:

The people that are listening

Janine:

to this not right now, who

Janine:

are going Yes, Rox, and

Janine:

I know I Yes, yes, yes.

Janine:

I'm with you.

Janine:

I've got all of that stuff

Janine:

holding me back and getting

Janine:

so frustrated 'cause people

Janine:

are jumping ahead of me

Janine:

or getting paid more with.

Janine:

More than me for the same job.

Janine:

what sort of advice

Janine:

would you give them

Roxanne:

I mean, this

Roxanne:

is my advice, just

Roxanne:

probably in general in

Roxanne:

terms of life, but I just

Roxanne:

question all assumptions.

Roxanne:

You know, like you

Roxanne:

said, who, who says you

Roxanne:

have to charge that?

Roxanne:

What rule what rules

Roxanne:

said that, which is

Roxanne:

again, bizarre because.

Roxanne:

I'm rule conscious, but

Roxanne:

I also really love to

Roxanne:

break certain rules.

Roxanne:

So it, I, I think just

Roxanne:

questional assumptions.

Roxanne:

So the next time in a daily

Roxanne:

basis as well, and especially

Roxanne:

anything around gender.

Roxanne:

You know, I, I, give those

Roxanne:

stories in, in the book where

Roxanne:

daily you, if you listen,

Roxanne:

you will hear All of those

Roxanne:

um, levels of bias being laid

Roxanne:

on, young women all the time.

Roxanne:

So I just would question all

Roxanne:

of it and don't let that be

Roxanne:

the legacy or be the label

Roxanne:

that you carry with you

Roxanne:

when you make a decision on

Roxanne:

something and maybe, you know.

Roxanne:

Think if it was the male

Roxanne:

next door to me, how would

Roxanne:

they feel about that I

Roxanne:

think they're gonna think

Roxanne:

differently about it.

Roxanne:

Sometimes I do that,

Roxanne:

sometimes I'm like, right,

Roxanne:

I'm about to have this

Roxanne:

difficult conversation.

Roxanne:

I wonder what the difference

Roxanne:

would be if I was a male.

Roxanne:

How would they tackle it?

Roxanne:

what words would they use?

Roxanne:

What body language

Roxanne:

would they use?

Roxanne:

And then sometimes that

Roxanne:

doesn't always work.

Roxanne:

'cause you, you have to be

Roxanne:

congruent and you have to be

Roxanne:

genuine in, in your own style.

Roxanne:

I sometimes do, do that

Roxanne:

just to, you know, I

Roxanne:

always think you should

Roxanne:

challenge assumptions.

Janine:

there's a table in

Janine:

your book where you talk

Janine:

about over a period of time

Janine:

not asking for the pay rise

Janine:

and you've got the opposite.

Janine:

Can you, can you.

Janine:

Try and articulate that.

Janine:

'cause to me that

Janine:

was like, whoa.

Janine:

And I think that's where that

Janine:

million dollar gap comes in.

Janine:

It was like, oh wow.

Janine:

Like the reality is there.

Roxanne:

think

Roxanne:

that's chapter five.

Roxanne:

So.

Roxanne:

I break the book down

Roxanne:

to explain all of that.

Roxanne:

But in this one chapter, I do

Roxanne:

sort of try and show people

Roxanne:

a really basic, easy formula.

Roxanne:

Again, going back to what we

Roxanne:

were saying before that most

Roxanne:

people will be like, oh no,

Roxanne:

I'm not affected by that.

Roxanne:

But in actual fact, you

Roxanne:

know, like I said, most

Roxanne:

women are, so, for example,

Roxanne:

there's one that I.

Roxanne:

Talk about where if you are

Roxanne:

a woman who, and if we use

Roxanne:

the average salary that's

Roxanne:

taken from the Australian

Roxanne:

Bureau statistics of 98,000,

Roxanne:

if you use that salary.

Roxanne:

and you do not receive one

Roxanne:

single pay increase for a 10

Roxanne:

year period, and you know, you

Roxanne:

might be thinking, oh, come

Roxanne:

on, that's an exaggeration.

Roxanne:

It is absolutely

Roxanne:

not an exaggeration.

Roxanne:

If you sit in a circle

Roxanne:

with five women.

Roxanne:

One of those women will

Roxanne:

not have had a pay increase

Roxanne:

for that period of time.

Roxanne:

So I'm talking about just

Roxanne:

minimal wage growth of 2.4%,

Roxanne:

that over a 10 year period

Roxanne:

is a difference of $139,000,

Roxanne:

which is a lot of money that

Roxanne:

can be paid off in a mortgage

Roxanne:

or whatever it might be, let

Roxanne:

alone what that does to your

Roxanne:

superannuation at the end.

Roxanne:

Let alone the fact

Roxanne:

that your buying power,

Roxanne:

is less.

Roxanne:

Let's even forget

Roxanne:

about the increase.

Roxanne:

You actually cannot buy the

Roxanne:

same milk and bread that

Roxanne:

you bought before because

Roxanne:

you, your, your dollar value

Roxanne:

is less 10 years later.

Roxanne:

So that's the reality.

Roxanne:

I I also break it down

Roxanne:

in, in another way, in, in

Roxanne:

that chapter when I show

Roxanne:

three different ladies

Roxanne:

who make three different

Roxanne:

decisions over their

Roxanne:

career and the difference

Roxanne:

in earnings for them.

Roxanne:

And again, it shows it

Roxanne:

really clearly small

Roxanne:

decisions that people

Roxanne:

make just tiny decisions.

Roxanne:

They're not big ticket ones.

Roxanne:

Make a difference at buy a

Roxanne:

million dollars and that's

Roxanne:

because it's the compound

Roxanne:

effective earnings as well.

Roxanne:

It's not the, I'm not

Roxanne:

gonna ask my boss for that

Roxanne:

$2,000 increase because

Roxanne:

it's only $2,000 after tax.

Roxanne:

It's not very much who

Roxanne:

could be bothered with that?

Roxanne:

I don't wanna go through

Roxanne:

the pain of him saying no to

Roxanne:

me or her saying no to me.

Roxanne:

I'd rather just get on with

Roxanne:

it so it, it's not about that.

Roxanne:

It's about the, fact that

Roxanne:

that $2,000 this year, plus

Roxanne:

wage growth the following

Roxanne:

year, and again and again

Roxanne:

and again, turns out to

Roxanne:

be more than you think.

Janine:

over dinner one

Janine:

night with some friends.

Janine:

We actually broke down what

Janine:

our, not just the live cost

Janine:

of living expenses from

Janine:

the perspective of, looking

Janine:

after your family or your

Janine:

significant others or whoever

Janine:

it is, but just all the other.

Janine:

Duff that we, you know,

Janine:

you go hair, I need

Janine:

to get my hair done.

Janine:

And the amount of doctor's

Janine:

appointments, particularly

Janine:

depending on what stage

Janine:

of life you're at, the

Janine:

medication, the, this,

Janine:

that, and you go, oh my

Janine:

God, it's ridiculous.

Janine:

The amount of extra.

Janine:

Spence that we potentially,

Janine:

individually take on board.

Janine:

It reminds me as you're

Janine:

talking about, uh, a few years

Janine:

ago I had a client and she

Janine:

was asking my advice about

Janine:

which she'd been approached

Janine:

to take a new job and.

Janine:

Honestly for probably about

Janine:

half an hour, it was like

Janine:

she was reading through

Janine:

the list of, this is what

Janine:

I'm doing here, this is

Janine:

what I'd be doing there.

Janine:

and it was all essentially

Janine:

qualitative stuff that she'd

Janine:

be working on right onto

Janine:

the hours and how far she'd

Janine:

have to travel and whether

Janine:

she'd have her own office and

Janine:

this, and I went, hang on.

Janine:

Can we just, like, you've been

Janine:

talking to me through your

Janine:

list of pluses and minuses

Janine:

Ah, ah, I haven't even thought

Janine:

about that because I think

Janine:

I need to put in like this.

Janine:

It could come later.

Janine:

And as long as I prove myself,

Janine:

I'm like, I'm sorry, but I

Janine:

reckon your male colleagues

Janine:

wouldn't even be having the

Janine:

in-depth conversation unless

Janine:

they knew about the dollars,

Janine:

and that comes back to that

Janine:

ingrained bias or assumption.

Roxanne:

Because of the

Roxanne:

industry I'm in, 'cause

Roxanne:

I'm in that employment

Roxanne:

area, you have to pick the

Roxanne:

right place because the

Roxanne:

wrong place for the right

Roxanne:

dollars will set you back.

Roxanne:

'cause you'll, you know, if

Roxanne:

you know the right place,

Roxanne:

you're not gonna thrive.

Roxanne:

But equally the dollars

Roxanne:

must come into place.

Roxanne:

Like when you said

Roxanne:

before, I agree with you.

Roxanne:

It is all about the money,

Roxanne:

not from a greed perspective

Roxanne:

and not for any other

Roxanne:

reason, except that money

Roxanne:

makes the world go round.

Roxanne:

if you wanna denote

Roxanne:

to charity, fabulous.

Roxanne:

But you need money to do that.

Roxanne:

If you wanna help your

Roxanne:

parents, your children,

Roxanne:

you need money to do that.

Roxanne:

All of those things.

Roxanne:

And we were too scared to

Roxanne:

admit that or say that,

Roxanne:

and especially in business,

Roxanne:

because we are conditioned

Roxanne:

also, not just females, but

Roxanne:

I think business in general.

Roxanne:

We are conditioned also

Roxanne:

not to be too profitable,

Roxanne:

and I'm sorry, but

Roxanne:

especially small businesses.

Roxanne:

We must be profitable.

Roxanne:

We employ the, you know,

Roxanne:

the largest sector and.

Roxanne:

We've gotta do that.

Roxanne:

It's good for our

Roxanne:

employees to do that.

Janine:

Mm. And I think part

Janine:

of that challenge in terms

Janine:

of the, the conditioning

Janine:

it's almost like when you

Janine:

are employed, it's a slightly

Janine:

easier to negotiate rates

Janine:

and proposals because you're

Janine:

hiding behind the brand.

Janine:

Suddenly when it's

Janine:

yourself for whatever

Janine:

reason, it becomes harder.

Janine:

And I hear that, but

Janine:

I've only been doing

Janine:

this for six months.

Janine:

I go, no, you haven't.

Janine:

You've been doing this

Janine:

for three decades.

Roxanne:

That's it.

Roxanne:

That's it.

Roxanne:

You've got all that wisdom

Roxanne:

and experience and knowledge

Roxanne:

that brings it to this level.

Roxanne:

Totally.

Janine:

Um, I love it.

Janine:

That's such a great book.

Janine:

Before, before we wrap, I

Janine:

really wanna talk a little bit

Janine:

about this chapter seven and

Janine:

then finally chapter eight.

Janine:

'cause Chapter seven.

Janine:

I love, 'cause you've added

Janine:

this perspective about

Janine:

the insight and advice

Janine:

for our beautiful men.

Janine:

Can you tell me a little

Janine:

bit more about, why

Janine:

you wanted to include

Janine:

that perspective in the

Roxanne:

Yeah, because the

Roxanne:

gender pay gap is complex

Roxanne:

and controversial because

Roxanne:

people don't understand it.

Roxanne:

And anyone first hears me

Roxanne:

talk about it, I'm sure that

Roxanne:

they think that I'm banging

Roxanne:

on about the structural

Roxanne:

EL elements, et cetera.

Roxanne:

Yeah, they're relevant, but

Roxanne:

no, I'm banging on about

Roxanne:

the internal elements that

Roxanne:

stop us from earning more.

Roxanne:

And so equally.

Roxanne:

I don't want people to

Roxanne:

think that it's a male

Roxanne:

bash 'cause it's just not.

Roxanne:

And the males that are in

Roxanne:

our life, I'm fortunate to

Roxanne:

have had a, you know, great

Roxanne:

dad, brother partner who've

Roxanne:

been really supportive.

Roxanne:

So maybe, you know, when

Roxanne:

you said to me before, why

Roxanne:

do you have confidence?

Roxanne:

I don't know, maybe

Roxanne:

it comes from that.

Roxanne:

But equally, I was also

Roxanne:

conditioned to be a girl.

Roxanne:

You know, like, you gotta wear

Roxanne:

that, you've gotta do that.

Roxanne:

No, you can't speak up and,

Roxanne:

you know, all those things.

Roxanne:

But I put that in there

Roxanne:

because we're a team.

Roxanne:

You know, we're

Roxanne:

humans together.

Roxanne:

And if you start to be

Roxanne:

divisive and be like, oh,

Roxanne:

males do that, and females

Roxanne:

do that, it's not about that.

Roxanne:

It's really about

Roxanne:

coming together.

Roxanne:

And we need males to be

Roxanne:

supportive of us in the

Roxanne:

workforce and as our

Roxanne:

partners or as our friends

Roxanne:

or as our parents or

Roxanne:

whatever that might be.

Roxanne:

And in many, many different

Roxanne:

ways in the workforce.

Roxanne:

It's not just about mentoring,

Roxanne:

it's about being sponsors.

Roxanne:

For us, there's a big.

Roxanne:

Difference between

Roxanne:

what that is.

Roxanne:

And there are many men,

Roxanne:

many male CEOs, leaders out

Roxanne:

there who do a fabulous job.

Roxanne:

And I don't want the

Roxanne:

gender pay gap to be about

Roxanne:

saying that or inferring

Roxanne:

that that's not the case.

Roxanne:

Because, you, you

Roxanne:

know, we're a team.

Janine:

Yeah.

Janine:

Yeah.

Janine:

And, and that then leads

Janine:

onto that final piece where

Janine:

you talk about, again,

Janine:

speaking my language, the

Janine:

importance of a support squad.

Janine:

You know, you talk about these

Janine:

support networks and, and

Janine:

getting advice from people to

Janine:

help navigate this journey.

Janine:

Can you, again, can you,

Janine:

from your perspective.

Janine:

Why?

Janine:

Why is it so important to

Janine:

surround yourself with the

Janine:

right people that are gonna

Janine:

help you navigate this?

Roxanne:

Because if you don't,

Roxanne:

you've got false structures.

Roxanne:

if you go to your mom,

Roxanne:

your mom is gonna be

Roxanne:

protective unless, I mean.

Roxanne:

You're probably the only

Roxanne:

mom maybe that is gonna be

Roxanne:

like, listen, I can give it

Roxanne:

to you straight, but most

Roxanne:

moms are gonna be like my

Roxanne:

poor son, my poor daughter,

Roxanne:

that they're gonna see it

Roxanne:

from a different perspective.

Roxanne:

So your mom isn't always

Roxanne:

the best person to go to.

Roxanne:

Neither is your partner and

Roxanne:

neither is your best friend.

Roxanne:

Maybe differently depending on

Roxanne:

the relationships you've got.

Roxanne:

Um.

Roxanne:

I feel like I'm fortunate

Roxanne:

enough if I go to my partner

Roxanne:

and tell him about a scenario,

Roxanne:

he's always able to go,

Roxanne:

actually, I think you've

Roxanne:

got that wrong, or no, I

Roxanne:

think you are wrong in that

Roxanne:

situation, Rox and whatever.

Roxanne:

So you have to also be open

Roxanne:

to giving that feedback to,

Roxanne:

to change So I think it's

Roxanne:

important to have those people

Roxanne:

around you who will not say

Roxanne:

what you want them to say and

Roxanne:

not agree with you, and be

Roxanne:

comfortable in hearing that

Roxanne:

so that you can make the right

Janine:

decision

Janine:

for you?

Janine:

yeah.

Janine:

Couldn't agree more.

Janine:

Roxanne, what's, your

Janine:

wish for this book?

Janine:

If it could touch one person,

Janine:

if it could change somebody's

Janine:

life that's listening to

Janine:

this, if it could give them

Janine:

one thing, what is your

Janine:

wish for this, this book

Janine:

in terms of its impact?

Roxanne:

to know that women

Roxanne:

have enormous potential and

Roxanne:

that we should harness that.

Janine:

Yeah.

Janine:

Love that.

Janine:

Roxanne, it's been an

Janine:

absolute pleasure to chat.

Janine:

I have a feeling that we

Janine:

could sit down over a few

Janine:

bowls of wine and a nice

Janine:

dinner, and between the

Janine:

two of us definitely work

Janine:

on, uh, how, how to, how

Janine:

to get researcher this.

Janine:

And for those of you that are

Janine:

listening you know, if you

Janine:

weren't ready to claim your

Janine:

earning power before, I so

Janine:

hope that you are now after

Janine:

this incredible conversation

Janine:

because as Roxanne shares

Janine:

in her book Earning Power,

Janine:

it's about the mindset.

Janine:

It's about actually the

Janine:

reality check of this, this

Janine:

million dollar formula.

Janine:

And actually, you know, as,

Janine:

as we've talked about, I think

Janine:

Roxanne, I wanna just thank

Janine:

you for giving every single

Janine:

one of us the nudge that we

Janine:

need to stop playing small.

Janine:

Because like you, I believe

Janine:

we're not here to shrink,

Janine:

we're not here to barter.

Janine:

I. Our brilliance in

Janine:

exchange for breadcrumbs.

Janine:

You know, you, every single

Janine:

one of you listening here,

Janine:

you've made choices and you

Janine:

are here to build your version

Janine:

of wealth, whatever that is.

Janine:

And it's about claiming your

Janine:

space and it's about getting

Janine:

paid your worth, your right,

Janine:

according to wherever you

Janine:

are at in your business or

Janine:

in your career right now.

Janine:

So.

Janine:

If this episode has lit

Janine:

up that fire for you, uh,

Janine:

please don't let it fade.

Janine:

Please share it.

Janine:

Please post it.

Janine:

Please check out the

Janine:

fabulous Roxanne Calder.

Janine:

You can check the

Janine:

show, show notes.

Janine:

Her contact details

Janine:

are in there.

Janine:

And definitely grab yourself

Janine:

a copy of Earning Power.

Janine:

It will certainly make

Janine:

you and go really, and

Janine:

open those eyes wide and give

Janine:

you the reality check of.

Janine:

Potentially some decisions, if

Janine:

not many, that you have made

Janine:

for yourself that have given

Janine:

you actually taking you a step

Janine:

back from where you can be.

Janine:

Roxanne, thank

Janine:

you again so much

Janine:

and thanks for

Janine:

writing this book.

Roxanne:

Thanks

Roxanne:

so much, Janine.


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